How Much Does 2015 Ford Escape Car Insurance Cost?
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UPDATED: Apr 18, 2022
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Drivers have many options when trying to find the lowest prices for 2015 Ford Escape car insurance. You can either waste hours driving around getting price quotes or utilize the internet to find the lowest rates. There is a better way to find insurance coverage online and you need to know the absolute fastest way to price shop coverage for your Ford and obtain the cheapest rates from local insurance agents and online providers.
You need to shop coverage around periodically since rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates for Escape coverage on your last policy a different company probably has better rates today. Ignore everything you know about insurance coverage because you’re about to learn the things you must know in order to find the best coverage while lowering your premiums.
Discounts can Save BIG on 2015 Ford Escape Car Insurance
Companies don’t necessarily list every available discount very clearly, so the following is a list of both the well known and also the lesser-known auto insurance savings. If you’re not getting every credit available, you are throwing money away.
- Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
- One Accident Forgiven – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a certain period of time.
- Paperless Signup – A handful of insurance companies give back up to $50 for buying your policy digitally online.
- Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.
- Discount for New Cars – Insuring a new car is cheaper compared to insuring an older model.
- Homeowners Savings – Being a homeowner can help you save on auto insurance because owning a home shows financial diligence.
- Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
- More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy qualifies for this discount.
Consumers should know that some of the credits will not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous.
For a list of insurance companies with the best auto insurance discounts, click here.
Will just any policy work for my 2015 Ford Escape car insurance?
When choosing the best car insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.
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For example, these questions may help you determine whether your personal situation might need an agent’s assistance.
- Does my 2015 Ford Escape qualify for pleasure use?
- Am I covered when delivering products for my home-based business?
- Is pleasure use cheaper than using my 2015 Ford Escape to commute?
- I have good health insurance, so how much medical payments coverage do I need?
- Am I covered by my spouse’s policy after a separation?
- Is my Ford Escape covered if I use it for business?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.
Save 15 percent on car insurance in 15 minutes? Is it for real?
Consumers can’t ignore all the ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all seem to have a common claim that you’ll save big if you switch your policy.
How can each company claim to save you money? It’s all in the numbers.
Different companies have a preferred profile for the type of customer they prefer to insure. A good example of a profitable customer might be between 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Any new insured who matches those parameters will get the preferred rates and most likely will save a lot of money.
Consumers who don’t meet the requirements will be charged higher rates and this can result in business not being written. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That is how insurance companies can make those claims. That is why you should compare as many rates as you can. It’s just too difficult to predict which car insurance company will give you the biggest savings on Ford Escape insurance.
Auto Insurance Coverage Specifics
Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Escape.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability can pay for things such as legal defense fees, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.
Medical expense insurance
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like prosthetic devices, funeral costs, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like hail damage, fire damage, hitting a deer and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
This coverage covers damage to your Escape from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things like rolling your car, colliding with another moving vehicle, sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.
Prices for 2015 Ford Escape Car Insurance Summed Up
We’ve covered quite a bit of information on how to compare 2015 Ford Escape insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a small local company.
Insureds who switch companies do it for a number of reasons such as questionable increases in car insurance rates, high prices, poor customer service or lack of trust in their agent. No matter why you want to switch, finding the right auto insurance provider can be pretty painless.
Lower-priced insurance can be bought online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.
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